1038 20TH STREET, OKEECHOBEE, FL, 34974
Active4 days on marketListed Aug 1, 2026MLS #C7528989
About this home
1038 20TH STREET
WATERFRONT LIVING WITH DIRECT LAKE OKEECHOBEE ACCESS: Experience the best of Florida waterfront living in this beautifully updated home located in the sought-after Buckhead Ridge community. Situated on a canal with direct access to Lake Okeechobee, this property is a paradise for boaters and anglers, offering easy access to world-class bass fishing and endless days on the water. Inside this 3/2 home, you'll appreciate the updates completed in 2022, including new kitchen cabinets, countertops, and refreshed bathroom countertops and finishes, creating a bright and inviting space that's move-in ready. Relax on the large covered deck overlooking the canal, the perfect spot for morning coffee or evening sunsets. The property also features a storage shed and additional storage behind the house, providing plenty of space for fishing gear, tools, and outdoor equipment. No HOA or flood insurance required, you'll enjoy the added flexibility and peace of mind. Whether you're searching for a full-time residence, seasonal getaway, or the perfect fishing retreat, this home checks all the boxes. Conveniently located just minutes from shopping, dining, and everyday amenities, this home also offers easy access to the excitement of Brighton Bay Casino & Hotel. Enjoy the peaceful blend of waterfront living with nearby entertainment, and recreation. Bring your boat, cast a line, and start enjoying the Lake Okeechobee lifestyle.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,158
Sqft
0.18 ac
Lot size
1988
Year built
One
Levels
$177
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$1,668 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,668/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Okeechobee actives
$177 vs $203
Days on market
4 vs 61 typical
Where $177/sqft sits among the 278 Okeechobee actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Okeechobee
Get to know Okeechobee. See the full Okeechobee guide →
OKEECHOBEE 34974 — neighborhood snapshot
Population
23,994
Median age
48.1
Median income
$50,671
Median home value
$162,900
Avg household
2.26
Households w/ children
2,418
The numbers that matter
The Okeechobee market
$225K → $244K
Okeechobee median sold, yr/yr
93.7%
Sale-to-list ratio (12 mo)
21 of 278
Okeechobee actives have cut their price
Median sold price, Okeechobee, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2% below the OKEECHOBEE 34974 median. See the full Okeechobee market guide →
Paper trail
This home's history
Reality check
What actually sold near 1038 20TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$80,000
1474 Lake Drive, Okeechobee FL 34974 · same community
3 bd · 1.5 ba · 1,178 sqft · $68/sqft · 205 DOM
Sold · Feb ’26$265,000
1558 CHOBEE STREET · same community
2 bd · 2 ba · 1,248 sqft · $212/sqft · 219 DOM
Sold · Oct ’25$88,500
1065 25TH STREET · same community
2 bd · 2 ba · 1,272 sqft · $70/sqft · 33 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1038 20TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1038 20TH STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
1038 20TH STREET FAQs
What would the monthly payment be for 1038 20TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,668/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 1038 20TH STREET?+
The most recent tax bill on record (2025) was $2,526. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1038 20TH STREET?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Okeechobee?+
At $205,000, this home is listed about 25% below the Okeechobee median of $272,600. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of MEDWAY REALTY · Laurie Ann Houghton PLLC. MLS #C7528989.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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